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gonegirl

Erudio/Drydensfairfax letter of claim - old SLC debt

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Hi there

 

Sorry if I've jumped in where I shouldnt...

but I'm brand new to this group and have spent the last hour trawling through threads to try and establish which route I need to take in my situation.

To be honest, I have got kind of lost in the jargon and legal aspects of it all,

but I'm hoping someone can kindly advise or point me in the right direction !

 

I took out 2 student loans in 1996 and 1997.

I then deferred successfully until the SLC sold out to Erudio Student Loans Ltd.

This is where my issues begun

 

before I knew it I was being sent payment arrears letters due to non deferment, due to a combination of poor communication from Erudio and my own frustration with their incompetence ,leading me to give up on the process (Despite earning well below the payback threshold).

 

Numerous letters followed, which I ignored because It seemed fruitless and then wrongly thinking it had gone away, I moved house and forgot about the matter.

 

Until today, when I recieved a letter of claim from 'drydensfairfax" threatening legal proceedings.

Dryden state my debt was assigned to Eurodio on 22nd November 22 2013, which is  conveniently 5 months away from the 6 year SB.

 

I have never written to Eurodio or made payment, and I do not recall the last time I successfully deferred. 

 

I do not wish to go to court, and I have never earnt over the threshold to have to pay my student loan back.But of course I gave up on deferment due to the stress of it so don't know if I have a leg to stand on.What would be my best course of action. Any advice would be much appreciated.

 

May I just add, 

 

I have been in contact with the SLC today to try and establish my last deferment date - but they said that they couldn't give me that information and that I would need to ring Erudio student loans.

 

Is this correct?

 

Worried about making contact with them due to their link to Dryden. 

 

Gonegirl 

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now go ring SLC again.

 

state the under the data protection act

and

the prevention of fraud act

 

they MUST hold data for 6yrs.

ask to speak to a supervisor if you need too

 

you need them to confirm that they do not hold your data BECAUSE its outside of 6yrs

 

they must either confirm the above

else give you the date of your last deferment

 

if they dont do either

state you will be immediately phoning the ICO about their refusal and opening a serious complaint against them and seek financial compensation.

 

 

I would suspect this IS SB'd but you MUST reply to the pap letter

more later

get that info.

 


..

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Ok...

 

So I called again and they finally let me speak with a supervisor (after some reciting of the financial acts). Who was somewhat vague to say the least, but after some persistence he clarified that the last deferment pack was sent out in 2004 ? Which seems odd ? I'm sure I deferred after that date but can't be sure.

 

He did add that they send annual statements out on behalf of Erudio (?) and they last sent one in September 2013. 

 

What next .... 

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seems odd to me too

but if SLC have no other data

then neither will erudio.

 

so statute barred then

as just about every other drydens pap letter thread here already.

you only got the pap letter as they think you'll ignore that too.

 

 

read the ABOVE

AND FOLLOW POST 10

opps caps sri..


..

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Ok will do, Thank you Dx

 

On a side note - I've just somehow managed to log into my student loans account and found out the following...

 

Not sure how up to date it is - but would appear last deferment pack sent out in May 2013 - but when would I have defaulted in this case ? 

 

I will go read PAP thread. 

 

Screenshot_20190710-172646_Samsung Internet.jpg

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not deferred since 2013 so def sb'd

 

pay received letter 2010?

not that it changes the sb date mind.

 

dx


..

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I know - that puzzled me too ?

 

Can't think why I would have made that payment - maybe missed a deferment and had to catch up.

 

Although Ive had 2 babies since then - nothing stays in my brain too long anymore ! And I don't recall much pre millennium! 🤯 

 

So my next step is to reply to their PAP letter with the SB letter.

 

On it. 

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How did you manage to log in?

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Hi Ken

 

I signed into the student loans website with my email and then followed the prompts to reset my password and it worked! I'd never even used it before but thought it was worth a go !

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Just a quick update on my case...

 

So I recieved a letter from Dryden today.

 

So now I await my fate...  

 

 

IMG_20190724_134633_022.jpg

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opps darn we didn't look...

 

…...

 

please remember to use pdf only

then only registered members can download uploads

 

posting images directly to a post lets everyone see them without registering to CAg or logging in


..

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Sorry- should I take the attachments down?

 

And didn't look at what ? 

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they just issued a speculative PAP letter without checking

upload is ok pdf next time please


..

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Noted and thank you

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Any updates on this thread? Have DrydensFairFax given up?

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Hey there...

 

Well I haven't heard anything from them...

 

So let's hope so ! :)

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They have been sending letters to my family in the UK. I told my family to return the letters stating 'NOT AT THIS ADDRESS'. I sent them an SB with my change of address on (I now live in the US) 2 weeks ago and haven't heard a thing.

 

I'm hoping that fixes mine too. I hate that they keep ignoring me and not accepting receipt of my mail.

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please keep your own thread upto date too?

 

dx

  • Thanks 1

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